Coronation Fund RA

But effectively that means that you are likely to not maximising the earning potential of your money. Why not just invest in a more liquid fund that will more than likely out perform an RA and once the tax breaks are changed you dump a lump sum into the RA?

Remember Dividend Withholding Tax tax benefits always applies to the share returns in a RA.

My discretionary savings would be (and are) almost exactly the same asset allocations (not the same funds) as my allocations recommended except the Bond funds part is into Property funds as well.
 
But effectively that means that you are likely to not maximising the earning potential of your money. Why not just invest in a more liquid fund that will more than likely out perform an RA and once the tax breaks are changed you dump a lump sum into the RA?

I've currently got 2 Unit trusts that I put R500 into each every month - I've been doing this for 3 years roughly.
I also put R1000 a month into a capitec account every month for holidays, fixing car or whatever else may arise so liquidity isn't such an issue.
 
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